They offer a 30-day free trial or a 2-month free trial if pre-paid annually.

TransUnion will provide ongoing updates on your credit score (but not much else). Given the limited feature set, it's costly.

The plan includes a free TransUnion credit score.

Your plan with them will also includes 3 bureau monitoring.

The TransUnion plan costs $19.95 a month (they offer no free trial at this time).

Credit Karma is 100% free but your personal information is repurposed to sell you other credit products.

Their free plain includes a free Equifax and TransUnion score.

Their free plain includes a free Equifax and TransUnion score.

It's completely free.

Why Use Experian IdentityWorks Premium?

Experian IdentityWorks Premium allows you to continuously monitor your financial health. The easy-to-use Reports and Scores section shows alerts for suspicious activities. You can also filter through various reports, scores, and other information.

The plan provides access to Experian score daily. You can also get quarterly credit reports from all three credit bureaus.

It shows you what each credit score means and offers recommendations on how to improve them.

CreditLock is quick, easy to use and prevents anyone from opening a credit line in your name.

The plan also monitors a wide range of websites for your information to give you additional peace of mind.

Although IdentityWorks Premium is more expensive than some competitors, it offers comprehensive coverage to prevent identity theft and personal information misuse.

You’ll also be notified if your information is used to apply for a non-credit loan, payday loan, or rent-to-own application.

Experian CreditWorks $1 Trial

Credit report monitoring

3-Bureau FICO® score

Experian CreditLock

Identify theft monitoring and protection

Experian CreditWorks: Plans, Pricing

Experian CreditWorks Basic is free and CreditWorks Premium costs $24.99/month or $249.99 for the full year.

The free CreditWorks Basic monitors new credit inquiries and new accounts on Experian.

You also get a monthly Experian credit report and FICO® score. However, it doesn’t offer the many key features included in the Premium plan, such as 3-bureau credit reports and scores, Experian CreditLock, and identify theft monitoring (e.g., dark web surveillance, social security number monitoring, identify validation alerts, and more.)

Order a $1 credit report from Experian to start a 7-day trial membership. You’ll need to provide your personal information and credit card information. After the 7-day trial period, you’ll be billed $24.99 /month for the membership, which you can cancel anytime.

Why Use Experian CreditWorks?

You can sign up for the free Basic package or the comprehensive Premium plan. While CreditWorks Premium is more expensive than many of its competitors, it offers detailed and comprehensive coverage.

CreditWorks Premium has some unique features such as daily access to your Experian credit report and FICO® score. You’ll also get FICO® score tracking and Experian CreditLock to gain more control over your financial health.

What Does An Experian Free Credit Report Include?

Experian credit report and FICO® score

Experian Boost to increase FICO® Score

Refreshed report and score every 30 days

FICO® score monitoring with Experian data

Experian credit monitoring and alerts

Dark web surveillance

Other Experian Features

Get access to various Experian credit information at no cost, including credit reports, FICO® score, and credit monitoring.

Besides your free credit report, you can use some of Experian’s credit monitoring services and educational information to help improve your credit scores.

You can submit dispute online if you see activity that doesn’t belong to you on your credit report.

Additionally, you can view the specific score factors that are impacting your FICO® score, including payment history, debt, credit history length, new credit amount, and credit mix. This will help you focus on specific areas to raise your credit score.

It allows you to get credit for phone and utility bills by adding positive payments to your Experian credit file.

Also, keep in mind that the information only comes from Experian. You won’t have access to credit scores and FICO® scores from Equifax or TransUnion unless you purchase the 3-bureau credit report for an additional fee.

This free credit report service doesn’t offer the credit monitoring and alert features available through IdentityWorks Premium and CreditWorks Premium for ongoing credit monitoring. However, it offers a good starting point for understanding your credit and financial health.

Experian Review: The Bottom Line

Experian is one of the three big credit bureaus. Using its credit monitoring and fraud prevention services gives you access to data directly from the source for maximum accuracy.

In conclusion, while Experian’s credit monitoring plans may cost more than many competitors, the range of credit and identity information they monitor is quite comprehensive. You can get the peace of mind that your identity and personal information isn’t being misused.